I think people perception of a typical terrorist changes with what they see and experience, for example a couple of decades ago most British people would have told you that a terrorist is a Irish guy because of the trouble in Northern Ireland. So this current perception of the Muslim "Jihadist" is to be expected given the level of media coverage.
Again I think this point too is based on peoples perceptions as well as the clear cut defintion of a terrorist, it would all depend what your personal feeling on a certain point are. An intersting point to note is that the Viet Cong and French Freedom fighters where not considered terrorists (at least not in any material I have come across) they where malitia or paramilitary as there goal was not to terrorise but to achieve a valid aim i.e. the defense or recapture of their homeland from a foreign invader.
Terrorists are people who try to incite terror or fear in an enemy (usually among the civillian populace) so the majority of fighters in this theatre are paramilitary/rebels (admitedly a little misguided) as the vast majority take part in military style actions against soldiers rather than attacks on civillians.
I think the primary thoughs behind large scale terrorist acts like 9/11, 7/11 and so on is a twisted form of publicity as well as destabilizing the target. The ammount of media coverage surrounding these incidents gave alot of air time to Al'Qaeda and Co. which could be said to have attracted others to their 'cause' as well as helipng to promote the fear they aim to incite on top of this there is also the fact that they caused monetary and human loss etc... as you mentioned.
The case of large scale bombing of cities at war time has been ongoing since the advent of modern military aviation, personally I do not find these acts to be of a terrorist nature; the aim is to eliminate enemy hot-spots and bases which in theatres like Iraq are interwoven within the fabric of city it is also important to remember that paramilitary forces usually live within the main population and cannot be distinguished as easily as regular army forces so historically these kinds of operation lead to higher civillian casulaties.
Sam
"We need not suppose more things to exist than are absolutely neccesary." William of Occam
"Our doubts are traitors, and make us lose the good we oft might win by fearing to attempt" William Shakespeare (Measure for Measure: Act 1, Scene 4)

"Our doubts are traitors, and make us lose the good we oft might win by fearing to attempt" William Shakespeare (Measure for Measure: Act 1, Scene 4)

